Finance

Our farm finance service involves understanding the needs of each farm business and then building up a sound lending proposal whether it is for purchasing land, erecting new farm buildings or restructuring existing debt.

The lending market has become more fragmented and more regulated in recent years, which has meant that finding the best farm loan is a challenge. Since Carver Knowles was established, we have worked with farmers to facilitate loans by putting together loan applications for lenders and undertaking lending valuations.

The increase in property values, particularly farmland values, gives farmers more security but also means that those buying farms and land have to find larger amounts to fund the purchase. Our farm finance service involves understanding the needs of each farm business and then building up a sound lending proposal whether it is for purchasing land, erecting new farm buildings or restructuring existing debt.

Some lenders do not have time to get to know the business and properly understand the issues and financial proposals so we work with farmers to present the loan proposal in a positive and professional way, maximising the chances of it being approved.

A good place to start to get an initial assessment of what you can borrow is the Agricultural Mortgage Corporation’s quick Mortgage Calculator is a good place to start.

Our finance services:

Carver Knowles Surveyors are able to offer financial ‘health checks’ and are affiliated Agents of the Agricultural Mortgage Company (AMC). The AMC’s attitude of ‘lend and leave’ means many borrowers benefit from their unique approach to lending. Find out more about AMC here.

We also have contacts with many of the traditional high street banks, and those that are newer to the marketplace, including with Santander that have a refreshing approach to rural finance.

Sometimes a business needs a helping hand in order to restructure, grow or simply survive. Business Development is one of our specialties. Our approach is based around quickly analysing and really understanding the key financial details and what makes the business tick. This is often tied in with restructuring existing debt to develop a repayment strategy and often make it cheaper.